HDFC BankHDFC Bank RuPay PMJDY Debit Card – Benefits, Fees & Eligibility
Is the HDFC Bank RuPay PMJDY Debit Card Right for You?
The HDFC Bank RuPay PMJDY Debit Card is best suited for users who prioritize Utilities. With a joining fee of Nil and a renewal fee of Nil, this card offers free entry for new applicants. It offers Prepaid & Stored Value Benefits as its primary reward mechanism, with a rewards rate of * **RuPay PMJDY Debit Card**:.
Key Card Details
Nil
Nil
Prepaid & Stored Value Benefits
Notable Perks
Insurance Coverage
Personal Accidental Death Cover up to ₹2 lakhs and comprehensive insurance against accidental injuries, death, and permanent total disability.
Things to Consider
The card is primarily designed for domestic use, limiting international transaction capabilities.
Strict eligibility criteria apply, including not holding other HDFC Bank savings accounts.
No traditional reward points or cashback program, focusing instead on insurance benefits.
Benefits & Features
Welcome Offer
* **Times Point Debit Card**: * Receive 500 Times Points as a welcome benefit.
Rewards Rate
* **RuPay PMJDY Debit Card**:
Reward Type
Prepaid & Stored Value Benefits
Reward Redemption
* **RuPay PMJDY Debit Card**: * View and redeem points through a simple interface.
Insurance Coverage
Personal Accidental Death Cover up to ₹2 lakhs and comprehensive insurance against accidental injuries, death, and permanent total disability.
Fees & Charges
Joining Fee
Nil
Renewal Fee
Nil
Fuel Surcharge Waiver
Not applicable for transactions on HDFC Bank swipe machines at government petrol outlets (HPCL/IOCL/BPCL).
Pros & Cons
Pros
Key benefits and features of this card.
Enjoy zero annual fees, making it an accessible and cost-effective banking solution.
Benefit from substantial personal accidental death cover up to ₹2 lakhs for new cards.
Experience secure and convenient contactless payments with RuPay PaySecure authentication.
Adjust daily transaction limits easily via NetBanking to suit your spending needs.
Access high daily transaction limits for a basic card, enhancing financial flexibility.
Cons
Key drawbacks and limitations of this card.
The card is primarily designed for domestic use, limiting international transaction capabilities.
Strict eligibility criteria apply, including not holding other HDFC Bank savings accounts.
No traditional reward points or cashback program, focusing instead on insurance benefits.
Product Details
Issued under Pradhan Mantri Jan Dhan Yojana to promote financial inclusion.
Enabled for contactless payments, facilitating fast, convenient, and secure transactions.
Transactions are secured with RuPay PaySecure, adding an extra OTP-based authentication layer.
Card limits can be easily adjusted anytime through NetBanking, Mobile Banking, or other channels.
Offers a daily ATM withdrawal limit up to ₹25,000 and a daily shopping limit of ₹2.75 lakh.
Provides withdrawal at merchant outlets up to ₹2,000 per transaction, with a monthly limit of ₹10,000.
Insurance claim is payable only if at least one transaction was made within 90 days prior to the event.
Defaulted to domestic usage (PoS & ATM) as per RBI guidelines, with options to enable other uses.
Benefits & Features
Welcome Offer
* **Times Point Debit Card**: * Receive 500 Times Points as a welcome benefit.
Rewards Rate
* **RuPay PMJDY Debit Card**:
Reward Type
Prepaid & Stored Value Benefits
Reward Redemption
* **RuPay PMJDY Debit Card**: * View and redeem points through a simple interface.
Insurance Coverage
Personal Accidental Death Cover up to ₹2 lakhs and comprehensive insurance against accidental injuries, death, and permanent total disability.
What matters, explained clearly
Introduction
The HDFC Bank offers two distinct debit cards: the RuPay PMJDY Debit Card and the Times Point Debit Card. The RuPay PMJDY Debit Card is positioned as a financial inclusion tool, providing essential banking services, contactless payments, and a personal accidental death cover of up to ₹2 Lakh. The Times Point Debit Card, on the other hand, caters to a lifestyle segment, offering a welcome benefit of 500 Times Points and significant discounts on online lifestyle, entertainment, dining, and grocery purchases.
Welcome Benefits
- Times Point Debit Card:
- Receive 500 Times Points as a welcome benefit.
Fees
- RuPay PMJDY Debit Card:
- Annual fees: Nil.
- Replacement / Reissuance charges: ₹240 + applicable taxes (effective from 1st May 2026).
- Fuel Surcharge: Not applicable for transactions done on HDFC Bank swipe machines at government petrol outlets (HPCL/IOCL/BPCL) effective 1st January 2018.
- Times Point Debit Card:
- Annual Fees: ₹650 plus taxes.
- Replacement / Reissuance Charges: ₹200 plus applicable taxes (effective from 1st December 2016).
- Usage Charges for Railway Stations: ₹30 per ticket plus 1.80% of the transaction amount.
- Usage Charges for IRCTC: 1.80% of the transaction amount.
- Penalty for transactions declined: ₹25 plus applicable taxes per declined transaction.
- Cross-currency markup fee: 3.5% of the transaction amount.
- PIN generation: Free of charge.
- Insurance coverage: Free of charge.
Rewards
- RuPay PMJDY Debit Card:
- Personal Accidental Death Cover: Up to ₹2 lakhs for new PMJDY Cards (issued after 28th August 2018) and up to ₹1 lakh for old cards (issued till 28th August 2018).
- Comprehensive Insurance Coverage: Against accidental injuries, accidental death, and permanent total disability. This cover is active if the cardholder has carried out at least one transaction (POS / E-com / ATM) within 90 days prior to the date of the event.
- Dynamic withdrawal and shopping limits.
- Daily ATM withdrawal limit: Up to ₹25,000.
- Daily shopping limit: ₹2.75 lakh.
- Withdrawal at merchant outlets: Up to ₹2,000 per transaction, with a monthly limit of ₹10,000.
- ATM cash withdrawal limit for first 6 months from account opening: Capped at ₹0.5 lakh per day and ₹10 lakh per month.
- ATM cash withdrawal limit for accounts older than 6 months: Capped at ₹2 lakh per day and ₹10 lakh per month.
- Times Point Debit Card:
- Earn 2 Times Points for every ₹150 spent, excluding fuel, jewellery, and business services.
- Enjoy 10% or more discounts on online lifestyle, entertainment, dining, and grocery.
- Free airport lounge access: 1 per calendar quarter, subject to a minimum spend of ₹5,000 in the previous calendar quarter.
- Daily domestic shopping limit: ₹3.5 lakh.
- Daily ATM withdrawal limit: ₹1 lakh for domestic transactions.
- Convert purchases of ₹5,000 or more into EMIs.
Rewards Redemption Guide
- RuPay PMJDY Debit Card:
- View and redeem points through a simple interface.
Card Eligibility Criteria
- RuPay PMJDY Debit Card:
Eligibility Rules
- Resident individuals (sole or joint account holders).
- Customer must not have an existing Basic Savings Bank Deposit (BSBD) Account with any other bank.
- Customer should not hold any other Savings Account with HDFC Bank.
Documents Required
- For existing HDFC Bank Account holders: No additional documents required.
- For new HDFC Bank Account holders: Download and fill the Account Opening form (which includes the International Debit Card application) and submit it to the closest HDFC Bank branch.
- Times Point Debit Card:
Eligibility Rules
- Non-Resident (External) Account Holders.
- Resident Indians who hold one of these accounts: Savings Account, Current Account, SuperSaver Account, Loan Against Shares Account (LAS), or Salary Account.
- Individual Account Holders (Savings Account, Corporate Salary Accounts & Senior Citizens).
- Note: No new Debit Card issuances are available for the Times Point Debit Card variant. Existing customers will continue to enjoy the benefits.
Card Review
- RuPay PMJDY Debit Card:
- Who should apply: Individuals seeking a basic, no-annual-fee debit card for financial inclusion, offering essential banking services, contactless payments, and a significant accidental insurance cover. It is ideal for those who do not hold other savings accounts with HDFC Bank or BSBD accounts with other banks.
- Pros: Nil annual fees, substantial accidental death cover, contactless payment enabled, secure transactions with RuPay PaySecure, flexible limit adjustments, and high daily transaction limits for a basic card.
- Cons: Primarily for domestic use, specific eligibility criteria related to existing bank accounts.
- Times Point Debit Card:
- Who should apply: Existing HDFC Bank customers who value lifestyle benefits, online discounts, reward points, and airport lounge access. This card is no longer issued to new customers.
- Pros: Welcome bonus points, attractive discounts on lifestyle/entertainment/dining/grocery, reward points on spending, airport lounge access, and EMI conversion option for large purchases.
- Cons: Annual fee, no new issuances available, specific exclusions for earning reward points (fuel, jewellery, business services).
Important Product Details
- RuPay PMJDY Debit Card:
- Issued under the Pradhan Mantri Jan Dhan Yojana (PMJDY) to enable financial inclusion.
- Enabled for contactless payments, facilitating fast, convenient, and secure transactions.
- Transactions are secured with RuPay PaySecure, adding an extra OTP-based authentication layer.
- Card limits can be easily adjusted anytime through NetBanking, up to permissible limits.
- Insurance coverage for new PMJDY Cards is up to ₹2 lakh, while old cards provide up to ₹1 lakh.
- The insurance claim is payable only if at least one transaction (POS / E-com / ATM) was made within 90 days prior to the date of the event.
- In case of multiple cards, the insurance policy applies only for the card with the highest Sum Insured / limit of Indemnity.
- In India, contactless payments are allowed for a maximum of ₹5,000 for a single transaction without a PIN; for amounts higher than or equal to ₹5,000, the PIN is required.
- Effective 1st October 2020, all Debit Cards are issued enabled only for Domestic usage (PoS & ATM) and disabled for Domestic (E-commerce & contactless) and international usage by default, as per RBI guidelines. Users can enable or modify these limits via MyCards, NetBanking, Mobile Banking, WhatsApp Banking, Ask Eva, or toll-free numbers.
- The card is primarily for domestic use within India.
- Times Point Debit Card:
- No new Debit Card issuances are available for this variant; existing customers will continue to enjoy the benefits.
- Offers 2 Times Points for every ₹150 spent, excluding fuel, jewellery, and business services.
- Provides 10% or more discounts on online lifestyle, entertainment, dining, and grocery.
- Includes free airport lounge access (1 per calendar quarter) upon spending a minimum of ₹5,000 in the previous calendar quarter.
- Has a daily domestic shopping limit of ₹3.5 lakh.
- Has a daily ATM withdrawal limit of ₹1 lakh for domestic transactions.
- Purchases of ₹5,000 or more made using the card can be converted into EMIs.
Other Details
- RuPay PMJDY Debit Card:
- Offers a single unified platform for Credit Cards, Debit Cards, FASTag, and Consumer Durable Loans.
- Provides a simple interface to track all spends.
- The card enables financial inclusion by providing access to banking, withdrawals, deposits, insurance cover, and digital payments.
- Important documents like Card Member Agreement and Most Important Terms & Conditions are accessible digitally.
- Disclaimer: Terms and conditions apply. Debit Card approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification. Interest rates are subject to change.
- Times Point Debit Card:
- Disclaimer: Terms and conditions apply. Debit Card approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification as per the Bank's requirement. Interest rates are subject to change.